If you don't have "seasoning" on the loan they won't do the loan either.

However, I've NEVER had a note called on any properties and the vast majority were "subject too" and/or owner financing.

Changing the deed is a SALE, the loan is due on sale.

He claims that this move would take all responsibility for the mortage off my brother and not invoke the due-on-sale clause.

Didn't he just say he just had "10 Due on Sale called"?

They will not exercise the due on sale clause if you keep making payments.   

Quote from @Chris Allen: I am selling a property on a WRAP.

I am looking at some Repository list properties, due to these being on this list it is to my knowledge since they are from judicial sale they will be provided with a free and clear title.I am noticing 2 things on some PINs either the pin is for a "improvement only" (trailer, garage etc) or the name on the repo list does not match the most recent on the GIS pin.With these situations does that mean if its improvement only you would only own the trailer for example and not be able to do anything with it as the land is still theirs? 

I’ve been paying it on my own for 3 years, since the loan was started.   

But still, I’d hate to purchase it, rehab it and potentially lose it due to the “Right of redemption” or some other law.